Capital One Services, LLC

Leeyat Bracha Tessler

Tyler Maiman

Kyle Rankin Johnson

Rocky Guo

Bryant Alan Yee

Salik Shah

Dwij Trivedi

Jennifer Kwok

Abhay Donthi

Sarah Jane Cunningham

Latika Gulati

John Jones

Michael Bakr Mossoba

Adam Vukich

Lin Ni Lisa Cheng

Daniel John Marsch

Phoebe Atkins

Michael Saia

Angelina Wu

Imren Johar

Elisa-Michelle Rodriguez

Ray Cheng

Mario Munoz

Hazar Alsahnawi

Dennis Liu

James Holt Crews, Jr

Alexander Mireles

Zachary Benjamin Toal

Jesse Do

Catherine Sun

Juwan Byrd

Robert Mays

The disclosed technology relates to assessing and securing credit risk using credit worthiness tokens issued in a blockchain network responsive to particular financial events. An exemplary blockchain node device may store an issuance smart contract associated with an identity and including a first wallet address and allocation parameters. An event query may be sent to an oracle device external to the blockchain network. The event query may include the identity. Event data associated with the identity may then be received from the oracle device in response to the event query. A number of credit worthiness tokens is determined based on an application of the allocation parameters to the event data. The determined number of credit worthiness tokens is then allocated to the identity via the first wallet address. Thereafter, the credit worthiness tokens can be transferred or collateralized, e.g., and can represent credit worthiness for the identity across financial institutions.

Systems and methods for managing metrics in blockchain networks

Systems and methods disclosed herein securely provide confidential information associated with a user during an active voice call conducted using the user's mobile device. The confidential information may be provided by generating the information in spoken form and inserting the spoken information into an audio stream of the voice call. For example, a customer may be on a phone call with a customer agent. The customer agent may ask the customer for a credit card number in order to process a financial transaction. The customer may select the credit card number via an application executing on the customer's mobile phone. The application may cause the credit card number to be spoken out loud during the voice call. A voice sample of the spoken credit card number in inserted into the audio stream of the voice call and is therefore, audible to the customer and the customer agent without being overheard by a third party.

Securing confidential information during a telecommunication session

In some implementations, a reliability modeler may receive a plurality of webpages associated with a first entity from an Internet scraping device. The reliability modeler may detect, within the plurality of webpages, at least one of a logo, a font, or a color. The reliability modeler may apply a model, trained on a set of guidelines associated with the first entity, to the logo, the font, or the color. Accordingly, the reliability modeler may determine, based on output from the model, that the plurality of webpages are unlikely to be authorized by the first entity. The reliability modeler may transmit, to a user device, an alert based on determining that the plurality of webpages are unlikely to be associated with the first entity.

Detecting reliability across the internet after scraping

In some embodiments, the present disclosure provides an exemplary method that may include steps of receiving a notification to engage a transmission guard bot in a communication session; generating a trained transmission guard bot configured with communication capabilities to engage the communication session; engaging the trained transmission guard bot into the communication session between the plurality of computing devices associated with the plurality of users; utilizing the trained transmission guard bot to continually monitor a plurality of content data associated with the communication session for a predetermined period of time; detecting a suspicious content data point within the plurality of content data associated with the communication session based on the continual monitoring of the at least one transmission guard bot; determining a risk assessment metric associated with the communication session; and invoking an action related to spam prevention via the at least one trained transmission guard bot.

Computer-based systems configured to dynamically enhance a spam prevention functionality on a computing device and methods of use thereof

In some embodiments, the present disclosure provides an exemplary method that may include steps of receiving a permission indicator identifying a permission by the first user to detect calls being received by the computing device; receiving an indication of a particular call being received from a second user at a particular phone number; detecting a triggering condition to verify when the particular phone number is associated with the particular entity; instructing the computing device to execute a computer routine to verify when the particular phone number is associated with the particular entity; receiving an indication from the computer routine when the particular phone number is not associated with the particular entity; instructing the computing device to perform at least one security action; and instructing to notify a second computing device associated with the particular entity with information pertaining to the particular call.

Computer-based systems configured for automatic detection of a verified identity related to interaction sessions and methods of use thereof

In some implementations, a server may receive, from a first user, an indication of a first set of times and receive, from the second user, an indication of a second set of times. The server may determine a first location associated with the first user and a second location associated with the second user. Accordingly, the server may identify a set of events based on the first location, the second location, the first set of times, and the second set of times. The server may further select a subset of events, from the set of events, based on first event data associated with the first user and second event data associated with the second user. Based on a selected event from the subset of events, the server may identify an API associated with the selected event and may trigger a call to the identified API.

User pairing and triggering activities using event data

Systems and methods of the present disclosure enable virtual tokens for dynamically mapping virtual account numbers to actual accounts. The systems and methods include receiving an electronic data modification instruction of a virtual record modification to cause at least one data modification to at least one attribute of a virtual record data structure associated with the actual account. A user record associated with the virtual record is determined, and a record modification preference associated with the user record is determined based on the modification condition. An authorization instruction is generated to authorize the electronic data modification instruction to cause the modification by instructing at least one database management system to modify the user record according to the record-specific modification.

Computer-based systems configured for authenticating based on generated virtual tokens and methods of use thereof

Disclosed embodiments may include a system for converting a physical meeting into a virtual meeting. The system may receive scheduling and location data associated with a first user. The system may determine whether the first user has an upcoming meeting at a physical location, and responsive to such determination, may determine a proximity of the first user to the upcoming meeting. The system may determine, by an MLM and based on the proximity, a probability that the first user will be late to the upcoming meeting. The system may determine whether the probability exceeds a predetermined threshold, and responsive to such determination, may convert the upcoming meeting to a virtual meeting by generating a virtual meeting link, and may transmit, to user device(s), a notification comprising the virtual meeting link.

Systems and methods for converting physical meetings into virtual meetings

In some implementations, a user device may receive one or more first advertisements from one or more first beacons. Accordingly, the user device may exchange check-in messages with a remote device based on the one or more first advertisements. The user device may track a location using at least one or more signal strengths associated with the one or more first beacons and one or more signal strengths associated with one or more second beacons. The user device may further display and update a map based on tracking the location. The user device may receive one or more second advertisements from the one or more second beacons. Accordingly, the user device may request first information associated with the one or more second beacons that is different from second information associated with one or more third beacons. The user device may further display the first information.

Wayfinding and location-based information delivery using bluetooth beacons

Disclosed aspects and embodiments pertain to customer distress assistance. A call can be detected to a callee from a caller. The call can be analyzed and determined to be a fraud or spam risk. In response, callee monitoring is triggered. The monitoring can capture biometrics or speech of the callee. Distress in the callee can be determined through analysis of the biometrics or speech and comparison to reference biometrics or speech of the callee. An individual associated with the callee can be selected based on determining the distress in the customer. The individual can be contacted through a notification or a call to assist the callee in distress.

Customer distress assistance

A device may configure a browser to permit cash payments for online transactions. The device may monitor a browser session of the browser. The device may detect, during the browser session, navigation of the browser to a transaction page of a website. The transaction page may be configured to facilitate an online transaction with the website. The device may determine, based on detecting the navigation of the browser to the transaction page, that a cash payment is to be provided. The device may cause a validation code to be generated. The device may cause, based on the validation code being processed, a virtual transaction card to be generated. The device may facilitate, using virtual card information associated with the virtual transaction card, execution of the online transaction.

Transaction platform that permits cash payments for online transactions

In some implementations, a device may obtain video and/or lidar data relating to a physical card captured while the physical card is flipped from a first side of the physical card to a second side of the physical card. The device may determine an authenticity of the physical card, where the authenticity of the physical card is based at least in part on one or more physical characteristics of the physical card identifiable from the video and/or the lidar data. The one or more physical characteristics may relate to a thickness of the physical card, a length and width of the physical card, a shape of the physical card, and/or a design feature of the physical card. The device may cause, based on a determination that the physical card is authentic, information associated with the physical card to be transmitted or stored to be used in connection with a transaction.

Authenticating a physical card using sensor data

A computer-implemented method for authenticating a source of a telephone call to a recipient of the telephone call may include receiving, prior to receiving the telephone call, a request to input first authentication information. The first authentication information may include a passcode or a selection of a security question. The method may include receiving input of the first authentication information and sending, by the user device, the first authentication information to a computing device associated with the source of the telephone call. The method may include receiving the telephone call from the source and receiving input from the recipient of the telephone call to answer the telephone call. The method may include receiving second authentication information from the computing device, where the second authentication information may include the passcode or an answer to the security question. The method may include outputting the second authentication information.

Systems and methods for detecting and/or preventing vishing attacks using user-generated authentication information

Disclosed herein are system, method, and computer program product embodiments for recommending a service provider. An embodiment operates by receiving a search request specifying a service request by a user and location for the requested service, retrieving prior financial transactions of the user to purchase the service from a database, and determining a preference of the user based on the retrieved prior financial transactions. The embodiment further operates by applying the preference to a model trained to output a recommended service provider and selecting the recommended service provider for display on a user's device. The model more likely recommends service providers in the location having a higher ratio of tip-to-price relative to other providers for the service in the location based on a history of prior financial transactions of a plurality of users.

Growing community of inventors

Washington, DC, United States of America

Leeyat Bracha Tessler